Can I use my dividends towards my mortgage?

Yes. Most lenders will assess salary plus dividends taken, usually averaged across your last one or two years' tax calculations. It's the most common route for company director mortgages.

What if I leave most of my profit in the company?

If you retain profit for tax efficiency rather than drawing it all as dividends, choosing a lender that assesses salary plus net profit - rather than salary plus dividends - can significantly increase what you're able to borrow. We'll work out which approach suits your situation.

I've only been trading for one year - can I still get a mortgage?

Yes, potentially. While most lenders ask for two years of filed accounts, several will consider just one year - particularly if the rest of your application is strong. We'll identify which lenders are the best fit.

Do all lenders offer 6x income multiples?

No. Typical income multiples for company directors sit around 4-4.5x, with some lenders offering 5x or 5.5x. Multiples of up to 6x exist but are typically reserved for higher earners or specific circumstances.

How much deposit will I need?

Most lenders ask for a minimum deposit of around 5%, though the rate and range of products available to you usually improve with a larger deposit. We'll help you find the lender that fits your deposit and your circumstances.

Do you charge a fee for mortgage advice?

Our fees vary depending on your circumstances. Get in touch and we'll explain any costs clearly before you proceed.

Mortgages

Mortgages for Company Directors

Contact Us How it works

Company Director Mortgages

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Your income isn't just a salary. Your mortgage shouldn't be assessed like it is.

If you take a modest salary and leave profit in the business for tax efficiency, most high-street lenders will only look at what you've drawn - and underestimate what you can actually afford.

We look at the full picture: salary and dividends, salary and net profit, add-backs like pension contributions, and even projections if your business is growing quickly. The income assessment method a lender uses can be the difference between a knockback from your bank and a mortgage that reflects what your business really earns.

Whether you've been trading for one year or twenty, we search the whole market - including specialist lenders most high-street banks and even most brokers don't use - to find the one that assesses your income in the way that works best for you.

Contact Us

Company Director Mortgages

Why company directors choose Quanstrom Financial

We speak accountant

SA302s, tax calculation summaries, retained profit, dividend vouchers - we work with this every day, and we'll tell you plainly which lenders will actually work with your accounts.

Whole of market, including specialists

We search 90+ lenders - high street and specialist director-friendly lenders most brokers never reach for - to find the one that assesses your income the way that suits you.

One point of contact, start to finish

You'll deal with the same adviser from application through to completion - no call centres, no passing you between departments.